Southern Bank and Trust Company CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to Southern Bank and Trust Company CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Southern Bank and Trust Company, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Southern Bank and Trust Company CD rates. You can also compare Southern Bank and Trust Company savings rates, MMA rates and mortgage rates using our other rate lists. Southern Bank and Trust Company money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Bank and Trust Company? Share your experience about Southern Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Southern Bank and Trust Company. Southern Bank and Trust Company Texas Ratio Southern Bank and Trust Company's Texas Ratio is at 3.90%, which is considered excellent. The Texas Ratio for Southern Bank and Trust Company is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Southern Bank and Trust Company is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Compare Southern Bank and Trust Company Rates with Other Competitive Bank and Credit Union Rates
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18-Month CD
4.20%
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Old Dominion National Bank
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4.00%
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Abbott Laboratories Credit Union
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3.82%
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates July 16, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Our apologies, we do not have Southern Bank and Trust Company rate data right now, check back for updates, we are adding rates all the time. Southern Bank and Trust Company InformationSouthern Bank and Trust Company
100 N Center StMount Olive, NC 28365 Wayne Established Date: 01/01/1901 FDIC Certificate #: 15359 Date of FDIC Deposit Insurance: 03/02/1936 Bank Holding Company: SOUTHERN BANCSHARES N C INC How Many Domestic U.S. Offices? 57 How Many Branches are There? 57 Website: https://www.southernbank.com
Is Southern Bank and Trust Company FDIC Insured? Yes
What is Southern Bank and Trust Company's Cert number? 15359
What is the maximum amount for insured deposits? $250,000 per holder, per account
Southern Bank and Trust Company FinancialsTotal Assets:
$4,777,181,000
Total Deposits:
$4,152,523,000
Equity Capital:
$295,997,000
Domestic Deposits:
$4,152,523,000
Net Income:
$14,067,000
Return on Assets:
1.2732%
Quarterly Return on Assets:
1.1800%
Pretax Return on Assets:
1.4985%
Pretax Quarterly Return on Assets:
1.5000%
Return on Equity:
24.2700%
Quarterly Return on Equity:
19.1300%
Common Equity Tier 1 Capital Ratio:
11.9137%
Tier 1 Risk-Based Capital Ratio:
11.9137%
Leverage Tier 1 (Core Capital) Ratio:
9.0186%
Total Risk-Based Capital Ratio (YTD):
12.8449%
Total Interest Income (YTD):
3.7956%
Headquarters:
Mount Olive
FDIC Field Office:
Raleigh
Regulator:
FDIC
County:
Wayne
# of Offices:
57
Metropolitan Statistical Area (MSA):
Goldsboro, NC
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals The national average six month certificate of deposit rate is 0.77 percent this morning, but you can find 6 month CD rates higher than the national average rate.
Average 30 year conforming mortgage rates fell to a new low this year, following 10 year bond yields lower. The current average 30 year mortgage rate is at 3.92 percent, down from last week's average 30 year rate of 3.98 percent. The prior low for 2014 was at 3.93 percent set on October 23. Rates will continue to move lower this coming week because 10 year bond yields have fallen 7 basis points this morning to 2.16 percent.
Details of
 the U.S. Government's bailout plan for the nation's banks were released today.
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Today's 12-month CD rates can be found at 3.50%, 6-month CD rates at 0.05% and 3-month CD rates at 3.40%. Current savings rates are at 0.60% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.94%. Credit Card rates are at 18.00%. Personal Loan rates are at 14.99%. All these rates, and more, can be found in our database of rates. 
